This home is in Ponte Vedra.

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Active Under Contract

Active Under Contract·151 days on market

185 Liberty Bell Road

Ponte Vedra, FL 32081

$570,000$280/sqftEst. $3,034/moMLS# 2127679

Beds

Baths

2,035

Sq Ft

2023

Built

Garage

Pool

About this home

Ponte Vedra

Waking up to water views & winding down in peace: this is Nocatee living at its best! This lakefront townhome lives beautifully & feels like home the moment you walk in. With the primary suite (with herringbone marble-look tile!) tucked downstairs & peaceful water views beyond the expanded, screened, & sealed lanai, everyday life here feels calm & effortless. Plantation shutters, upgraded lighting, & oak stairs with an open railing add warmth & character, while the off-white kitchen with a wood-accented island is both inviting and timeless: perfect for slow mornings or easy evenings in. Don't miss the ultra modern powder bath! Upstairs, two bedrooms are joined by a cozy retreat ideal for homework, reading, or a quiet escape. Step outside to the expansive screened lanai overlooking the lake & let the day unwind. Set within a gated community & just a short walk to Crosswater Pool & Park, this home offers comfort, charm, and that easy Nocatee lifestyle everyone's looking for.

Cost to own

Mortgage calculator

Home Price

$570,000

Down Payment: 20%

$114,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,879

Principal & Interest: $2,879

Est. Taxes & Insurance: $720

Estimated Total Monthly

$3,599

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$3,034

Property taxesest. at asking price, St. Johns County$758

HOAbilled quarterly$257

Estimated total, before insurance$4,049/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Last sold: $552,300 in January 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$478,618	$427,896	—
2024	$474,842	$424,842	—
2023	$110,000	$104,720	—
2022	$95,200	$95,200	—

Estimated taxes if purchased at asking price: ~$9,100/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2023)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,788 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Feb 14, 2026Listed$570,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$570,000

Price / Sq Ft$280

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,035

Acres0.09 acres

Year Built2023

TypeResidential

Sub-TypeTownhouse

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address185 Liberty Bell Road, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionNocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size3,920.4 sq ft

Parcel Number0704890410

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewWater

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingElectric

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryIn Unit

SecurityCarbon Monoxide Detector(s), Security Gate